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What is Apple Pay and how does it work?

To use Apple Pay for purchases in-store, you must first add your eligible debit or credit card(s) on your iPhone® 6, iPhone 6s, iPhone 6s Plus, or Apple Watch™ 5 or 6 using the Wallet application running on iOS 8.1 or later. Once your card has been added, you can hold your device near the contactless reader. Then, place your finger on the Home button to activate Touch IDTM and hold the iPhone near the reader until you see Done and a green checkmark on your screen will indicate that your payment is complete. If Touch ID doesn’t work, or you do not have it enabled, you will need to enter your device passcode.
To use Apple Pay for purchases within participating merchant apps (or in-app), you must first add your eligible card on your iPhone 6, iPhone 6s, iPhone 6s Plus, Apple Watch, iPad® Air 2 or iPad miniTM in Settings on your device. Once your card has been added, look for the Apple Pay button at checkout. Simply tap the Apple Pay button and review your payment information and contact details to complete your purchase. You will see Done and a checkmark on the screen when your payment is complete.

How can I add my card to Apple Pay?
To add an eligible card(s) go into Settings, open Wallet & Apple Pay and select Add Credit or Debit Card. On iPhone,
you can also open the Wallet app to add a card by pressing on the + button. When adding your card, you can choose to add the card you already have on file with iTunes® or add new cards by manually entering your card information or taking an image of your card.

Which devices are eligible for Apple Pay?
In order to use Apple Pay, you need to have iPhone 6, iPhone 6s, iPhone 6s Plus, or Apple Watch 5 or 6 running on iOS 8.1 or later for point-of-sale and in-app payments. You can use iPad Air 2 , iPad mini 3 or 4 and iPad Pro for in-app payments only.

Where can I use Apple Pay?
You can use Apple Pay to make payments in stores with your iPhone 6 and Apple Watch wherever contactless payments are accepted. Just look for the contactless and/or Apple Pay symbol at checkout.

You can also use Apple Pay in participating merchant apps with iPhone 6, iPhone 6s, iPhone 6s Plus, Apple Watch 5 or 6,
iPad Air 2 and iPad mini 3 or 4, or iPad Pro. Look for the Buy with Apple Pay or Apple Pay button at checkout within the apps.

Visit Apple (www.apple.com/apple-pay) for a recent list of merchants where payments are accepted.

What is a Device Account Number and how is it different from my card number?
For your security, when you add your eligible card to Apple Pay, a Device Account Number – separate and unique to your device – is created. Your Device Account Number, instead of your real card number, is used to make purchases using Apple Pay.
Merchants do not see or store your card number.

How many cards can I put on my device? 
At this time, Apple allows up to eight cards on a device.

Can I put my credit or debit card on multiple devices? 
Yes, you can add your card(s) on up to 10 devices. For each of your devices, you will need to add your card(s) by visiting the Wallet & Apple Pay section in your device Settings or the within the Wallet app. You’ll be notified when your card is added to each device.

Can I remove my card from my device?
You can remove your card by selecting Remove Card in the Wallet & Apple Pay section in your device Settings or on the
back of your card in the Wallet app by tapping on the symbol. 

You can also visit www.icloud.com/settings to remove your card or use the Find My iPhone app to temporarily suspend or
permanently remove the ability to pay with your cards on your device.

How are refunds handled with an Apple Pay purchase?
If you need to make a return for a purchase made with Apple Pay, you may be asked to provide to the cashier with the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device
Account Number for each card, visit the Wallet & Apple Pay section in your device Settings or look on the back of your card in
the Wallet app. 

How can I delete my card if my device is lost or stolen?
If you believe your device or Apple Pay card information has been lost, stolen or compromised in any way, call us immediately at 631-851-1100.

You can also go to www.icloud.com/settings or the Find My iPhone app to temporarilysuspend or permanently remove the ability
to make payments from your device, even if your device is offline.

For more information about Apple Pay, visit http://www.apple.com/apple-pay/ 

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. ©2016 Fiserv, Inc.  


Q1: Does CardSecure work on Android phones and iPhones?
A: Yes. CardSecure works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.

Q2: Does CardSecure work for ATM cards?
A: No, CardSecure does not work for ATM cards.

Q3: Can I unsubscribe from CardSecure?
A: Yes. You can unsubscribe from CardSecure.

Q4: How long does the app stay logged in if I don’t log out?
A: The app automatically logs the user off in 10 minutes.

Q5: When will the CardSecure be integrated with the Island Mobile App?
A: Integration is scheduled for 2016.

Q6: How will I know if there are changes or updates to the app?
A: Updates will show on your phone where they usually appear.


Q1: What are the CardSecure password requirements?
A: CardSecure passwords must be at least eight (8) characters in length and must contain at least: one (1) upper case character, one (1) lower case character, one (1) number and one (1) special character.

Q2: What happens if I forget my password?
A: A token request will be sent to you via the email address inputted when creating your CardSecure account. If you do not receive this email within 5-10 minutes, check your spam and junk folders.

Q3: Can multiple cards be linked to one registered CardSecure account?
A: Yes; cardholders can register multiple cards within a single CardSecure app. Additional cards can be added within the “Settings – Add Card” screen.

Q4: How many cards can I register within a single CardSecure application?
A: There is no limit.

Q5: You can download the card on multiple devices but are requested to indicate which device is “primary.” What is the purpose of assigning a primary device? Can I make changes to the settings from the non-primary devices?
A: The primary device is used to track the GPS for “My Location” alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the CardSecure settings for that card. Controls (including the “On/Off” setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be re-set by accessing “Settings – Primary Device.”

Q6: If a parent registers a card for a child, what stops the child from changing the
controls placed on the card?
A: Each person who registers a card will have access to controls and alerts for the card. In many cases, the child will not know about CardSecure unless the parent shares the

Q7: When I receive a reissued or replacement card, will I have to update their cards
within the application?
A: If the card number is new, then the user must “add” the new card number to the user’s profile. In addition, the user may delete the old card by accessing Settings > Manage Accounts.


Q1: What exactly is the range of the “My Location?” controls, and will this control setting
impact internet transactions?
A: The My Location controls and alerts will check to ensure the merchant location is within a five (5) mile radius of the device set as “primary” within CardSecure. These controls impact “card present” transactions only, therefore internet transactions are not

Q2: If My Location is set but the primary device is off, will transactions get denied
outside of the My Location area?
A: CardSecure ignores location information that is more than one (1) hour old. So, if the phone is off for more than an hour My Location controls will not take effect, and the transaction will not be denied on the basis of the old location information.

Q3: What happens if My Location is set but the phone is left at home? Will transactions be denied outside the My Location area?
A: CardSecure performs a proximity check at the granularity of zip code or city, so if the merchant is close to home then the transactions will still go through

Q4: A region has been set on the map. Does this mean the card can only be used exactly in this region?
A: The region shows the approximate area where the card can be used. CardSecure can typically map the transaction down to a zip code or city. If the city or zip code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a zip code or city, in which case CardSecure will default to a state-level match.

Q5: Can I block all international transactions?
A: Yes. International transactions can be blocked using the “International” location
control. Transactions will be limited to the United States

Q6: Will location controls, merchant controls, threshold controls, and turning the card “Off” impact previously authorized recurring transactions?
A: Previously authorized recurrent payments will continue to process and will bypass the
CardSecure edit checks.

Q7: How long does it take for a control or alert setting to take effect?
A: Control settings take effect as soon as the “Updating information” message in the app stops.

Q8: How do I turn off notifications at certain times such as when I’m sleeping?
A: The user can set the “Do Not Disturb” time that will suppress notification during the set times. Some notifications will still be delivered, for example, any transaction denial or any transaction that is a card-present authorization. The user can also disable ALL alerts by going through the card alerts drop down box.

Q9: Are the alerts sent as email or “push” notifications to the device?
A: CardSecure alerts are sent as push notifications to the phone. The alerts also display
under “Messages” in the CardSecure app.

Q10: If I have set an alert for international transactions and no controls are set, will I receive alerts for all international transactions regardless of whether the transaction is blocked or successful?
A: Yes, an alert is generated regardless of whether or not a control preference is set.

Q11: If I set multiple alerts and a transaction violates these alerts will I receive a separate message for each alert?
A: No, the alerts are consolidated into one message. For example, if the message has violated “Threshold” and Location settings then you will see only one alert and not multiple alerts.

Q12: Can I turn the low balance alert off?
A: The low balance alert is controlled on a cardholder level. It cannot be turned off by
an Island Associate.


Q1: Does the app show recent transaction history?
A: Yes, the app shows the last 50 card-based transactions posted within the last 30 days.

Q2: A threshold limit of $50 has been set but the user can’t fill gas in some stations. Why?
A: There are some merchant types where a merchant will pre-authorize the card for an amount that may be larger than the actual transaction amount. In this instance, the pre-authorization amount must meet the threshold spend limit.

Q3: What type of transactions display in CardSecure?
A: CardSecure only shows the transactions that are performed with the card. For example, it does not show teller transactions or bill pay on an account.

Thank you for using Island Federal Credit Union Mobile Banking combined with your handheld’s text messaging capabilities. Message & Data rates may apply.For help, text “HELP”to 39872. To cancel, text “STOP”to 39872 at any time. In case of questions please contact Member service at 1-800-475-5263 or visit https://islandfcu.org/.

Island Federal Credit Union Privacy Policy

Terms and Conditions:

  • Program: Island Federal Credit Union offers their Members mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user’s banking relationship as well as providing a mobile phone number. The mobile phone number’s verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, Members may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the Member. This program will be on-going. Message & Data rates may apply. Members will be allowed to opt out of this program at any time.
  •  Questions: You can contact us 1-800-475-5263, or send a text message with the word”HELP” to this number: 39872.We can answer any questions you have about the program.
  • To Stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says “STOP” to this number: 39872. You’ll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.
  • Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.
  • Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS

Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at anytime for any reason outside of the reasonable control of Island Federal Credit Union or any service provider.

Privacy and User Information. You acknowledge that in connection with your use of Mobile Banking, Island Federal Credit Union and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information???). Island Federal Credit Union and its affiliates and service provider swill maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Island Federal Credit Union and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use. You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Island Federal Credit Union (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Island Federal Credit Union or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancel bots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Island Federal Credit Union, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other Members of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software.

Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at http://www.maps.google.com/help/legal notices_maps.html , or other URLs as may be updated by Google.
I understand that I cannot exceed the Remote Check Deposit (RCD) limits that are set forth. I accept the following Remote Check Deposit (RCD) limits of:
1) $2,500 per deposit
2) $2,500 per daily limit
There is a 2 business day hold on any remote check deposits.

Q1: Where can I earn points?
A: You earn points everywhere your Island debit card is accepted for signature and PIN transactions. ATM transactions do not qualify.

Q2: When is a point earned?
A: A point is earned for every $2 spent.

Q3: When are points posted?
A: It can take up to 40 days (60 days for merchant funded rewards through uChoose Rewards) for points to be credited to an account.

Q4: When can I redeem points?
A: Cardholders must accumulate 1,500 points before redeeming points. Simply look for the “Available Points” at the top of any page on the uChoose Rewards website to see how many points are available for redemption.

Q5: How long do I have to redeem my points?
A: 3 years; 1,095 days
If your account is closed, terminated, or cancelled, in accordance with the program terms and conditions all accumulated reward points you have not previously redeemed will expire or will be forfeited.

Q6: Can I share points with family members?
A: Yes, all cards within an account automatically earn points together. However, you cannot link cards from different memberships.

Q7: What can I redeem my points for?
A: It’s your choice! You can choose from millions of options, whether it’s merchandise, gift cards, travel, activities, event tickets, or more! Simply logon to uchooserewards.com, visit the Redeem Points page and click on the category that suits your interests. There’s even a Wish List that will help you track when you’ve earned enough to redeem a specific item.

Q8: Where can I see the points I have redeemed?
A: View redemption history sorted by redemption transaction date on the Redemption Summary page. Selection Redemption Summary from the list in the left hand column of the page.

Q9: Where can I shop to earn bonus points with participating retailers?
A: There is hundreds of participating retailer offers to view on the Earn point’s page of the uChoose Rewards website. All offers are updated regularly – to stay current, visit www.uchooserewards.com regularly.
Note: Regular updates to offers are only available with merchant-funded and blended programs.

Q10: Will I get credit if I accidentally go directly to the retailer’s website?
A: No – you will not get the points.
Only clicks through the www.uchooserewards.com to a participating retailer accrue points. If the participant wants to accrue rewards points, the item purchased directly on the retailer website must be returned, and the purchase made through the uChoose Rewards website.

Q11: Why do I have to shop through the link of the UChoose Rewards site instead of going directly through the
retailer’s site?
A: Using the link on www.uchooserewards.com is the only way to ensure that the retailers recognizes that you are participating in the uChoose Rewards program, and are eligible to earn points on your purchase.
If you shop directly through the retailer website, points will NOT be awarded to your uChoose Rewards program

Q12: Is there a difference between a specific retailer’s in-store and online offers?
A: Yes, a participating retailer may have multiple offers at a given point in time; one for in-store and another for online purchases. There may be a difference between number of points earned when shopping online through the uChoose Rewards website and the number of points earned when shopping in the retail store. Some major retailers only offer points online, through www.uchooserewards.com, and not in their stores.
The terms and conditions will clarify details of each offer, including how to earn points and all other details needed for a purchase to qualify.

Q13: Can I get cashback?
A: Yes, you can get cashback.

Q14: Where can I view my point activity?
A: You can access the history of your point activity on the Point Details page once you have registered at

Q15: What if I shopped at a participating retailer, but my points aren’t showing up?
A: It can take up to 40 days for transactions to appear on the Point Details page. If points from a qualified transaction do not appear after 40 days, please click on the Contact Us page for assistance.

Q16: Is there a cost to participate?
A: There’s no cost. Membership in uChoose Rewards is absolutely free for cardholders, so start shopping and earning today.

Q17: How do I get started?
A: Register today at www.uchooserewards.com to enjoy all of the program’s benefits.

Q18: If I have a joint account, can I have separate log in information for each individual on my account?
A: Yes, a participant can use each unique card number on the uChoose Rewards website to create a user name. Once a card is registered, all associated account holders can access the uChoose Rewards website through single sign-on. All cards within an account automatically earn points. Alternatively, cardholders can also have a separate username and password on the same account, using additional cards. Follow the same registration process for each additional card.

Q19: What if my card is lost and my card number changes?
A: If your card number changes after you registered at the UChoose Rewards website, simply re-register the card for security purposes. The system retains your card usage and account history.

Q20: How do I change my email address on my account?
A: Once you are logged into your account on the uChoose Rewards website, click the Preferences tab on the left side of the uChoose Rewards website. Once you access your profile, you can enter a new email address, click Submit and your account will be updated.

Q21: How do I change my account password?
A: Once you are logged into your account on the uChoose Rewards website, click on the Preferences tab on the left hand side of the uChoose Rewards website. Once you access your profile you need to input your old password and input a new password. Clicked Submit, and your account is updated.

Q22: What if I have another question about the uChoose program?
A: Click on the “FAQ’s” link at the bottom of the uChoose Rewards screen or the “How it Works” link on the left side of the screen for a comprehensive list of the most common uChoose questions. Cardholder can also click on the “Contact Us” link for immediate assistance.